Debra and her husband Keith are supposed to move into a Greensboro home on October 11th. After living in Pittsburgh their whole lives, they're ready to be closer to their daughter. The couple found new jobs and are eager to leave the Pittsburgh winters behind.

"As soon as the closing was done, we were going to head straight down to North Carolina," said Debra.

Debra is waiting on her Federal Housing Administration or FHA loan to be approved before she can move in. The woman in Pittsburgh who's supposed to buy Debra's home is also relying on a FHA loan.

"Now with both those loans stalled indefinitely, it could arrange a situation where somebody could be homeless," explained Kelly Marks, a realtor with Re/Max Greensboro.

A delay in the loans means a delay in Debra's life. She can't move out, can't move in, can't start new jobs, can't devote time to their daughter before she's deployed to Afghanistan.

The Capitol Hill shutdown is proving to have a scary trickle down.

"Think about how you're affecting the small people, if you want to call us that. It's affecting so many lives," said Debra.

Debra and Keith Seiler are not alone. FHA loans account for 45 percent of all mortgages used to purchase homes last year according to the Federal Reserve and a report by CNN. That's about 60,000 loans per month.